Senior Underwriting & New Business Consultant

Baystate Financial; Boston (MA); On-site; USD 110,000 - 160,000; Full time

Job summary

Baystate Financial seeks a Senior Underwriting & New Business Consultant to lead complex life insurance and annuity cases from submission to policy delivery, mentor the New Business team, and shape underwriting strategies that drive positive outcomes.

This highly visible role partners with financial advisors, carrier partners, and internal teams to resolve issues, improve processes, and deliver exceptional service while maintaining clear communication, proactive problem solving, and

Qualifications

• Bachelor's degree preferred or an equivalent combination of education and industry experience.
• 5+ years of experience in life insurance underwriting, New Business, case management, brokerage operations, or insurance operations.
• Strong understanding of life insurance underwriting principles and New Business processes.
• Experience working with multiple life insurance carriers and understanding varying underwriting approaches and guidelines.
• Knowledge of life insurance products, including term, whole life, universal life, indexed universal life, and variable life.
• Experience supporting financial advisors or working within a brokerage, financial services, or wealth management environment is highly desirable.

Responsibilities

• Manage complex life insurance and annuity cases from application through underwriting, placement, and policy delivery.
• Develop effective underwriting strategies for challenging cases and identify solutions that improve placement success.
• Anticipate potential obstacles and proactively address issues before they impact the client experience.
• Partner with carrier underwriters, medical vendors, advisors, and internal teams to resolve complex or time-sensitive situations.
• Analyze underwriting offers and help advisors understand ratings, requirements, case options, and next steps.
• Serve as a senior resource and escalation point for complex underwriting and operational issues.
• Maintain clear, proactive communication with advisors and stakeholders throughout the lifecycle of each case.
• Share expertise and provide coaching, guidance, and technical support to members of the New Business team.
• Assist with case reviews, quality assurance efforts, workload balancing, and continuous improvement initiatives.
• Identify opportunities to enhance efficiency, accuracy, communication, and the overall advisor experience.
• Support the development of best practices and contribute to a culture of collaboration, learning, and accountability.
• Build and maintain strong relationships with carrier underwriting and New Business teams.
• Help design and deliver educational programs for financial advisors and their staff.
• Provide training on underwriting fundamentals, carrier expectations, case preparation, and best practices.
• Serve as a knowledgeable resource who helps advisors navigate complex underwriting scenarios with confidence.

Skills

Underwriting expertise

Analytical thinking

Problem-solving

Communication skills

Multi-tasking

Mentoring

Relationship building

Attention to detail

Decision making

Project management

Education

Bachelor's degree

Tools

CRM systems

Microsoft Office

New Business platforms

Carrier platforms

Job description

Are you an experienced insurance professional who enjoys solving complex underwriting challenges, collaborating with advisors, and making a meaningful impact on business outcomes? Baystate Financial is seeking a Senior Underwriting & New Business Consultant to play a critical role in helping advisors deliver exceptional solutions to their clients.

In this highly visible position, you'll serve as a trusted resource for financial advisors, carrier partners, and our New Business team while managing complex life insurance and annuity cases from submission through policy delivery. Beyond case management, you'll have the opportunity to mentor team members, improve processes, develop training programs, and help shape underwriting strategies that drive successful outcomes.

This is an excellent opportunity for someone who combines deep technical expertise with a passion for problem-solving, relationship building, and helping others succeed.

What You'll Do

• Manage complex life insurance and annuity cases from application through underwriting, placement, and policy delivery.
• Develop effective underwriting strategies for challenging cases and identify solutions that improve placement success.
• Anticipate potential obstacles and proactively address issues before they impact the client experience.
• Partner with carrier underwriters, medical vendors, advisors, and internal teams to resolve complex or time-sensitive situations.
• Analyze underwriting offers and help advisors understand ratings, requirements, case options, and next steps.
• Serve as a senior resource and escalation point for complex underwriting and operational issues.
• Maintain clear, proactive communication with advisors and stakeholders throughout the lifecycle of each case.

Team Development & Process Improvement

• Share expertise and provide coaching, guidance, and technical support to members of the New Business team.
• Assist with case reviews, quality assurance efforts, workload balancing, and continuous improvement initiatives.
• Identify opportunities to enhance efficiency, accuracy, communication, and the overall advisor experience.
• Support the development of best practices and contribute to a culture of collaboration, learning, and accountability.
• Build and maintain strong relationships with carrier underwriting and New Business teams.
• Help design and deliver educational programs for financial advisors and their staff.
• Provide training on underwriting fundamentals, carrier expectations, case preparation, and best practices.
• Serve as a knowledgeable resource who helps advisors navigate complex underwriting scenarios with confidence.

What We're Looking For

• Bachelor's degree preferred or an equivalent combination of education and industry experience.
• 5+ years of experience in life insurance underwriting, New Business, case management, brokerage operations, or insurance operations.
• Strong understanding of life insurance underwriting principles and New Business processes.
• Experience working with multiple life insurance carriers and understanding varying underwriting approaches and guidelines.
• Knowledge of life insurance products, including term, whole life, universal life, indexed universal life, and variable life.
• Experience supporting financial advisors or working within a brokerage, financial services, or wealth management environment is highly desirable.

Skills for Success

• Strong underwriting expertise and the ability to assess and navigate complex cases.
• Exceptional analytical thinking and problem-solving abilities.
• A proactive, solutions-oriented mindset focused on achieving positive outcomes.
• Ownership mentality with a commitment to delivering exceptional service.
• Ability to effectively manage multiple priorities in a fast-paced environment.
• Strong written and verbal communication skills.
• Talent for simplifying complex underwriting concepts for advisors and team members.
• Ability to build trusted relationships with advisors, carriers, and colleagues.
• Coaching and mentoring skills with a desire to help others grow professionally.Excellent attention to detail, organization, and follow-through.
• Confidence to make informed decisions independently while recognizing when collaboration or escalation is needed.
• Proficiency with Microsoft Office, insurance carrier platforms, CRM systems, and New Business workflow technology.

What Success Looks Like

In this role, you'll become a trusted partner to financial advisors and a valued leader within the New Business team. You'll drive successful case outcomes, solve complex challenges, share knowledge with others, and contribute to improving processes that enhance both the advisor and client experience. Your expertise, leadership, and commitment to excellence will have a direct impact on the success of our advisors and the growth of our organization.

Why Baystate Financial?

At Baystate Financial, we're committed to creating an environment where talented professionals can thrive. You'll join a collaborative team that values expertise, continuous improvement, professional growth, and exceptional service. We believe in supporting our employees' success while making a meaningful difference for the advisors and clients we serve every day.

Baystate Financial is an Equal Opportunity Employer and values diversity at all levels of the organization. We are committed to fostering an inclusive workplace where all employees and applicants are treated with respect and provided equal opportunities for employment and advancement.